36 LANCASTER LANE, Palm Coast, FL, 32137 | $399,000

This beautifully maintained 3-bedroom, 2-bathroom home with large covered screened porch & private fenced yard offers an exceptional blend of classic charm and comfortable Florida living, nestled on a generous lot in one of Palm Coast's most established neighborhoods. The home's Mediterranean-inspired curb appeal features a newer shingle roof with upgraded venting, crisp stucco exterior, lush manicured lawn, mature shade trees, and a classic stone birdbath. Step through elegant double entry doors with leaded decorative glass into a bright, open foyer with gleaming tile flooring throughout the main living areas. The formal dining room showcases a beautiful vintage Italian Murano chandelier, tray ceilings, plantation shutters, and graceful arched architectural accents. The open-concept kitchen and living area is designed for everyday living and effortless entertaining. The kitchen features warm honey-toned wood cabinetry, dark countertops, a brand new sink and faucet, a large center island with breakfast bar seating, and included appliances — French door refrigerator, oven range, and built-in microwave. A breakfast nook with a curved bay window adds a cozy touch. The living room with coffered tray ceiling opens to the screened lanai through large sliding glass doors. Elegant velvet drapes are included. The screened lanai offers natural light, a ceiling fan, and views of the fully fenced backyard. A brick paver patio creates a serene garden setting beneath mature trees, with an included automatic irrigation system to keep it looking its best year-round. This home's upgrades deliver true peace of mind: Miami-Dade approved hurricane shutters on all doors and windows, and a 12kW standby generator wired for essential circuits — including refrigerator, freezer, A/C, lighting, and the PEP system — housed in a waterproof storage building. The 2-car garage features a remote-controlled roll-down shade and thermally insulated interior door covers. The primary suite features a coffered tray ceiling, plantation shutters, velvet drapes, and an en-suite bath with soaking tub and updated faucets. Additional bedrooms have tray ceilings, ceiling fans, and plantation shutters. A second full bath with an arched accent window serves guests and family. Bonus spaces include a dedicated home office and a flexible craft/hobby room. A laundry room with utility sink, washer/dryer, and a chest freezer complete the interior. All custom plantation shutters are included (velvet drapes in living room and master bedroom included; other window treatments excluded). A rare opportunity to own a truly move-in ready Florida home packed with thoughtful upgrades, standout architectural details, and curated spaces designed for comfortable, worry-free living.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Ranch
  • Year Built: 2005
  • Garage: 2-car
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,193
  • Acreage: 0.23
  • Est. Taxes: $2,572
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: FC318722
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/FC318722/36lancasterlane_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/30/2026 8:17:09 PM)
Listing courtesy of VIRTUAL HOMES REALTY   Phone: 386-569-5383

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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36 LANCASTER LANE, Palm Coast, FL, 32137

$399,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $214 $214 $214
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,912 $1,991 $2,629
Total Monthly Payment $2,201 $2,280 $2,918

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.